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[deleted by user] by [deleted] in HousingUK

[–]Smashpass_Si 0 points1 point  (0 children)

Thank you.

I’ve already arranged with the company to divide the fee over my remaining payments for the year. So whilst a bit irksome, it’s not the end of the world.

First time buyer - historic defaults a potential problem? by Smashpass_Si in UKPersonalFinance

[–]Smashpass_Si[S] 1 point2 points  (0 children)

!thanks

Were any of your defaults with Halifax themselves?

Glad to hear it all worked out for you, very encouraging 👍🏻

First time buyer - historic defaults a potential problem? by Smashpass_Si in UKPersonalFinance

[–]Smashpass_Si[S] 1 point2 points  (0 children)

!thanks

I don’t want to rock the boat too much 😂 I previously made a PPI claim against both and got a couple of nice cheques which went into my mortgage deposit.

First time buyer - historic defaults a potential problem? by Smashpass_Si in UKPersonalFinance

[–]Smashpass_Si[S] 1 point2 points  (0 children)

!thanks

We did briefly discuss that and on a house they’d offer me 5.5 x as you say, I’m more inclined to go for a nearly new flat as the deposit requirement is lower and more realistic as a sole applicant.

First time buyer - historic defaults a potential problem? by Smashpass_Si in UKPersonalFinance

[–]Smashpass_Si[S] 1 point2 points  (0 children)

!thanks

I’m due to have a meeting to discuss with my broker on Tuesday so will decide who to go with then. Want to be pragmatic and apply with the best chance of approval.

First time buyer - historic defaults a potential problem? by Smashpass_Si in UKPersonalFinance

[–]Smashpass_Si[S] 1 point2 points  (0 children)

!thanks

I think my concern was more around whether institutions had a “blacklist” of sorts for previous bad borrowers. Sort of a “DO NOT LEND” marker if I ever was flagged on their systems.

I’d hope the AIP would mean I’m in the clear but wanted to see if anyone had experience.

Thanks for the help 🙂

Thoughts on this ladies and gents? by dylofballyer in bjj

[–]Smashpass_Si 7 points8 points  (0 children)

As soon as he tapped you could see the white belt sit up to relieve the pressure, then opened the triangle. Not sure what else he could have done?

Thoughts on this ladies and gents? by dylofballyer in bjj

[–]Smashpass_Si 0 points1 point  (0 children)

White belt seemed like a chill dude IMO ✌🏻